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How has coronavirus impacted van insurance?

Things you should know about van insurance during Covid-19

How will COVID 19 impact my van insurance?

ABI motor and home insurers have pledged to:

Support those who need to make a claim. Insurers have implemented business continuity plans and work closely with service providers to do everything possible in these challenging circumstances to continue to handle claims and support their customers.  We recognise there will be many customers who will need additional support and insurers will prioritise those in vulnerable circumstances.

• Support those who are working from home. If you are an office-based worker and need to work from home because of government advice or because you need to self-isolate, your home insurance cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

• Support those who cannot work from home. If you have to drive to your workplace because of the impact of Covid-19, your insurance policy will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

• Support those who use their cars to help their communities. If you are using your own car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19, your cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover. This applies to all categories of NHS Volunteer Responders, including transporting patients, equipment, or other essential supplies.

• Support our key workers. If your work* is critical to the national response to Covid-19 and you need to use your own car to drive to different locations for work purposes because of the impact of Covid-19, your cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

(Source: https://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-hub/motor-insurance/)

What if my occupation has changed?

If your occupation status has permanently changed you should inform your insurer to have the correct cover in place. That is, if you have switched paid-professions, or have been made redundant.

If you are now volunteering for the NHS or supporting those affected by COVID-19, the Association of British Insurers have advised they are supporting those who are helping and your policy should not change.

If your job status has temporarily changed:
You won't need to inform your insurer and you'll be covered to drive your car; there are a few exceptions if you are working as a chauffeur, courier or driver, working in the motor trade, are being paid to deliver goods. If this is the case please contact your insurer.

What if I need to drive to work now?

If you have to drive to your workplace because of the impact of Covid-19, your insurance policy will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

If you have to drive to your workplace because of the impact of Covid-19, your insurance policy will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

Can I still purchase a telematics product?

Most insurers have stopped selling telematics products as it's unsafe for them to install the devices required for these policies.

Does COVID 19 affect travel abroad? 

If you've purchased a policy with foreign travel you may be able to claim a refund if you don't make use of the policy during the COVID 19 period.

What if my MOT is due?

If your MOT is due on or after 30 March 2020 the expiry date has been extended by 6 months, however you need to ensure that the vehicle is safe to drive if you plan on using it.

https://www.gov.uk/guidance/coronavirus-covid-19-mots-for-cars-vans-and-motorcycles-due-from-30-march-2020.

*The information on this page was correct at the time of publication on 28.04.2020, things are of course changing rapidly and you should confirm the information before purchasing a policy.

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*We remind you that this offer is to beat your cheapest ONLINE van insurance quote and the guarantee applies to the basic policy price only. As we are a web provider this offer excludes telephone quotations and quick quotes which are usually inaccurate as your full details are not collected. This offer only applies to permanent residents in the UK. We reserve the right to request for proof of and validate alternate quotes before our guarantee is honoured.

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